One plan, every feature, and a 7-day free trial
PsyFi costs US$9.99 a month, or US$69.99 a year if you pay annually, about 42% less. There is one plan, it includes everything, and the 7-day trial does not ask for payment up front.
Premium
US$9.99/month
after your 7-day free trial.- AI coaching tuned to your real accounts
- Insights across spending, investing, and behavior
- Coach credits when you need guidance
- Secure Open Banking connections
- Habits and progress tracking built in
No charge today · Cancel anytime
What one plan actually means
There is no Basic, Pro, or Pro Max. Every area of the product below is included at the one price. Read them out in full on the features page.
- Behavioral insights
- PsyFi reads the pattern behind a transaction, not just its category. That is the difference between a report of what you spent and a reason you spent it.
- AI coaching with FY
- FY is the agent inside PsyFi. It reads your connected accounts, goals, and budgets before answering, then routes the question to the right specialist.
- Saving, investing, and net worth
- The everyday mechanics — where the money goes, whether the portfolio still matches the goal, and whether the trend is moving the right way.
- Security and control
- Read-only by construction. PsyFi is built so that the worst case is a data question, never a money-movement question.
- Free calculators
- A full set of US and Canadian financial calculators, free and with no signup, covering the decisions people search for before they are ready for an app.
Questions about the plan
- Why is there just one plan?
- We built one plan because we believe fragmented products create fragmented financial lives. You have one life and one money story, rather than a Basic self, a Pro self, and a Pro Max self. So there is a single plan that includes everything: your personalized coaching avatar, financial‑personality quizzes, behavioral insights, full dashboard, and more.
- Why is your price all or nothing?
- Our pricing reflects the full value of the system: AI guidance plus behavioral design. You're not paying for a static tool, you're paying for an evolving coaching experience that grows with you.
- What exactly am I paying for?
- You're paying for secure account connections, AI analysis of your real finances, personalized coaching flows, and lots of psychology driven behavioral tools that help you follow through, delivered in one integrated experience.
- Is there a free trial?
- Yes. You get a 7‑day free trial with full access to PsyFi. Connect your accounts, explore the dashboard, and test the coaching flows. We'll remind you before your trial ends, and you can cancel anytime.
- Can I get a refund or cancel anytime?
- You can cancel anytime. If something doesn't feel right, reach out to us and we'll do our best to make it right.
More questions are answered on the full FAQ, and the security page covers how account connections are protected.